A Preliminary Comparison of Two Ecosystems: Fintech Opportunities and Challenges for Financial Inclusion

Nadeera Ranabahu ()
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Nadeera Ranabahu: University of Canterbury

Chapter Chapter 10 in The Fintech Disruption, 2023, pp 243-266 from Palgrave Macmillan

Abstract: Abstract The ecosystem of a country shapes the way fintech organizations provide services to the poor. Yet, very little attention is given to the financial inclusion agenda and how ecosystems create opportunities and challenges for fintech organizations. This chapter looks at policy, culture, human capital, finance, market, and support domains to present a preliminary analysis of two ecosystems in South Asia, to identify system level challenges and opportunities for fintech organizations. The findings highlight that established fintech organizations in a mature ecosystem have different challenges and opportunities than an ecosystem with emergent fintechs. Hence, addressing the needs of the poor requires balancing multiple domains within the ecosystem by aligning them with the level of maturity of the system.

Keywords: Fintech; Financial inclusion; Ecosystem; Developing countries (search for similar items in EconPapers)
Date: 2023
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Persistent link: https://EconPapers.repec.org/RePEc:pal:psincp:978-3-031-23069-1_10

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DOI: 10.1007/978-3-031-23069-1_10

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